Cadillac SRX Insurance Rates
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UPDATED: Dec 19, 2019
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What is a Cadillac SRX? It is a luxury midsize crossover SUV. The Cadillac SRX insurance rates cost $126 per month or $1,510 annually. But what factors determine assurance on a Cadillac SRX?
Perhaps you’re wondering will the number of miles I drive per year affect my rate? Or maybe you’re asking will where I live affect my insurance rate? Both will impact your Cadillac SRX insurance prices. Read our comprehensive guide to see how insurance companies use many variables when calculating cheap car insurance premiums.
How can you easily compare rates between different providers for your 2015 Cadillac SRX or your Cadillac SRX 2010? Just enter your five-digit ZIP code into our FREE quote comparison tool to get started.
Average insurance rates for a Cadillac SRX are $1,484 a year for full coverage insurance. Comprehensive costs on average $292 a year, collision costs $592, and liability coverage costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $3,238. Teenage drivers receive the highest rates at $5,594 a year or more.
Average premium for full coverage: $1,484
Rate estimates by individual coverage type:
Prices are based on $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and SRX trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $496 for the bare minimum liability coverage to a high of $3,238 for a high-risk insurance policy.
Price Range by Location
Your location has a large influence on insurance rates. Rural areas tend to have lower incidents of physical damage claims than densely populated cities.
The diagram below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why it is important to compare rates based on a specific location, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below illustrates estimated Cadillac SRX insurance rates for different risk profiles and scenarios.
- The best discount rate is $843
- Drivers who choose higher $1,000 deductibles will pay around $1,284 each year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,484
- Using low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,876
- High-risk insureds who are prone to accidents and violations could pay upwards of $3,238 or more
- The cost that insures a teenage driver may cost $5,594 a year
Insurance rates for a Cadillac SRX can also vary considerably based on the trim level of your SRX, your age and driving record, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you are probably paying at a minimum $1,800 to $2,400 additional per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 135% more than a normal policy. View High Risk Driver Rates
Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,500 a year. View Rates by Age
Where you live makes a big difference in Cadillac SRX insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,010 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Using high physical damage deductibles could save up to $600 a year, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate rates, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Cadillac SRX 2WD||$1,408||$117|
|Cadillac SRX Luxury 2WD||$1,446||$121|
|Cadillac SRX Luxury AWD||$1,446||$121|
|Cadillac SRX Performance 2WD||$1,484||$124|
|Cadillac SRX Performance AWD||$1,484||$124|
|Cadillac SRX Premium 2WD||$1,484||$124|
|Cadillac SRX Premium AWD||$1,522||$127|
Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2016 Cadillac SRX||$292||$592||$442||$1,484|
|2015 Cadillac SRX||$282||$548||$452||$1,440|
|2014 Cadillac SRX||$270||$516||$456||$1,400|
|2013 Cadillac SRX||$258||$464||$460||$1,340|
|2012 Cadillac SRX||$242||$426||$460||$1,286|
|2011 Cadillac SRX||$234||$400||$464||$1,256|
|2010 Cadillac SRX||$228||$374||$474||$1,234|
|2009 Cadillac SRX||$210||$346||$474||$1,188|
|2008 Cadillac SRX||$206||$314||$478||$1,156|
|2007 Cadillac SRX||$192||$288||$474||$1,112|
|2006 Cadillac SRX||$180||$262||$474||$1,074|
|2005 Cadillac SRX||$174||$234||$468||$1,034|
|2004 Cadillac SRX||$172||$230||$460||$1,020|
Rates are averaged for all Cadillac SRX models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Cadillac SRX Insurance
Saving money on auto insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare prices at least every other year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a brief review of the car insurance concepts covered above.
- Drivers with DUI or reckless driving convictions may pay on average $1,750 more each year to buy Cadillac SRX insurance
- It is possible to save as much as $180 per year simply by quoting early and online
- Increasing deductibles can save approximately $600 each year
- Consumers who require increased levels of liability coverage will pay an extra $490 annually to go from a minimum limit to the 250/500 level
We’ve answered questions about how much does it cost to insure a Cadillac SRX on average. Now you can answer for yourself the question of is the Cadillac SRX a good car for you?
More goes into car insurance rates than simply car models. To those asking, will my age affect my insurance rate? The answer is yes. At what age will my rates go down? Usually, once you turn twenty-six your rates decrease substantially.
Regardless of your age, secure the cheapest insurance rates after you purchase your new or used Cadillac SRX by entering your ZIP code into our FREE quote comparison tool below.
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What are the safety ratings for the Cadillac SRX?
Understanding the Cadillac SRX safety ratings will help you see where you save money on car insurance and what might cost you more.
For example, have you ever wondered do they still make Cadillac SRX? The 2016 Cadillac SRX was the last model they produced of this vehicle.
Why was Cadillac SRX discontinued? Looking at the Cadillac SRX history, despite being a popular model, it was replaced in 2017 by the XT5.
While there is no Cadillac SRX 2019 model, maybe you’re wondering, will I get a lower rate if I buy a used Cadillac SRX? It depends on the year of the model you purchase. Looking at the Cadillac SRX reviews, there was a safety recall on some of the 2010 models.
See the 2016 Cadillac SRX safety ratings below.
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
The rating of Good is the best score given by the Insurance Insitute for Highway Safety. These outcomes definitely help lower your car insurance rates.
Are there different insurance rates for the different trims? There are different Cadillac SRX trims available, fortunately, they do not impact the safety ratings, so your rates will be unaffected.
The astute car shopper might think, what safety features can I get on a Cadillac SRX to save money on my insurance? Anti-theft devices, factory airbags, and antilock brakes help you qualify for discounts.
Cadillac SRX Compared Against other Vehicles in the Same Class
Is it more expensive to insure a Cadillac SRX than other vehicles? One way to answer this is by looking at how does the Cadillac SRX differ from other vehicles in the same class. Officially, the Insurance Institute for Highway Safety labels the Cadillac SRX as a midsize luxury SUV.
Comparing your vehicle’s insurance loss ratios to other similar models can help you save on car insurance. See how similar luxury midsize SUVs compare below.
The Cadillac SRX has average levels of insurance loss ratios in all categories, from the -13 percent for bodily injury loss to the one percent for collision loss. That’s good news for your insurance rates.
However, when calculating rates, insurance companies will also ask is a Cadillac SRX viewed as a high-risk vehicle, and are Cadillac SRXs expensive to repair? Because this is a discontinued luxury vehicle, it is costly to fix and does increase your premiums.
Before you ask, will I pay more if I opt for the sport package, know that some of those parts are more expensive to replace. However, if you’re wondering will the color of my Cadillac SRX affect my rate, that is just a myth.
However, there are factors separate from your vehicle’s make and model that impact your rates. For example, to those wondering will my driving record affect my insurance rate, or will my credit rating affect my insurance rate, the answer is yes.
You’re now an expert on Cadillac SRX insurance rates. Stop asking, should I compare rates, and start shopping. Immediately secure the lowest assurance on a Cadillac SRX by entering your ZIP code into our FREE quote comparison tool.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$112|
|5-yr Claim Free||$97|
|Paid in Full/EFT||$69|
Discounts are estimated and may not be available from every company or in every state.